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It’s that time of year again. You know what we’re about to say—the holiday gifting season. For millions of children that means only one thing—new toys! And perhaps it even means a few new gizmos for your classrooms.

One way to manage risk is to transfer the risk to someone else. The most common form of this approach is the purchase of insurance. For a fee (premium) you transfer the responsibility to pay for a loss (less any deductible), to an insurance company.

November is National Diabetes Awareness Month. Do you know your risks?

While the stereotype is that diabetes appears only in older people who weight more than recommended, in fact, this illness can affect anyone of any age or size. Take this oppurtunity to familiarize yourself with the warning signs and risks of Diabetes Type 1 and Type 2.